Buy now, pay later without the fees
Get the things you love without breaking your budget. When you use Affirm, you’re choosing the smarter way to pay over time with no hidden fees and no sneaky fine print.
Pay over time for the things you love
Make monthly payments over 3 to 36 months for bigger ticket items. Rates from 0-30% APR (subject to provincial regulatory limitations). See below for details.
No credit impact
Checking your eligibility is quick and easy—and it won’t ding your credit.
Get set up in minutes
Setting up Autopay is easy, so the only thing you’ll have to do is enjoy your purchase.
No fees – ever
That’s why over 1 million shoppers trust Affirm.
How to buy with Affirm
Fill your cart
Shop at many of your favourite stores and select Affirm at checkout. Then enter a few details for an instant decision. We do a soft credit check when you apply for any Affirm payment plan. This won’t impact your credit score.
Choose how to pay
Select your payment plan, then confirm your loan. We’ll never charge more than you see up front.
For example: Let’s say you make a purchase of $1,000. Choose to pay over 3 ($333/mo), 6 ($166/mo) or 12 ($83/mo) months from 0-30% APR (subject to provincial regulatory limitations). Please see table for more details.
Make your payments
We’ll send you email and text reminders whenever a payment’s coming up. (Message and data rates may apply.)
Need more info?
We’ve got you.